Best Cashback Credit Cards in India 2024

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Best Cashback Credit Cards in India 2023

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Genie found 17 cards for you

Amazon Pay ICICI Bank (4.7) Full Details

Co-Branded
Best For : Cashback
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹1

Joining Fee

Free

Annual Fee

Free

Annual Percentage Rate

42%

1% fuel fee waiver at all Indian gas stations, provided the transaction size does not exceed ₹4,000.

5% cashback on the user’s first gasoline purchase of the month. A minimum purchase of ₹2,000 is necessary to take advantage of the deal, and the maximum monthly reward is ₹150.

  • For Prime users, rewards worth ₹2,000.
  • For Non-Prime Users, rewards worth ₹1500 3 months Amazon Prime Membership
  • 1 Reward Point = ₹1
  • Reward Points transferred as cashback to Amazon Pay balance.
  • No expiry date of Reward Points.
  • No minimum amount is required for reward redemption.

As part of ICICI Bank’s Culinary Treats program, this card saves users at least 15% on bill payments at all partner restaurants.

  • 5% cashback on transactions made at  Amazon for Prime members.
  • 3% cashback on transactions for Non-Amazon Prime members.
  • 2% cashback on transacting at over 100 Amazon Pay merchant partners on using this card on Amazon Pay.
  • 1% cashback on all other payments.

Axis Bank Ace (4.6) Full Details

Regular
Best For : Cashback
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

NA

Joining Fee

₹499

Annual Fee

₹499

Annual Percentage Rate

52.86%
  • A 1% fuel surcharge is waived at all fuel stations throughout the nation.
  • The maximum waiver amount is ₹500 per month.
  •  Valid on transactions between ₹400 to ₹4000.
  • 5% cashback on bill payments via Google pay towards DTH, internet, electricity, gas, etc.
  • 2% cashback on other spends.
  • 4 airport lounge visits every year at certain domestic airports.
  • 4% cashback on Ola rides.
  • 20% discount on dining bills under the Dining Delight Program, at over 4000 restaurants.
  • 4% cashback on Swiggy and Zomato.

Any transaction above ₹2500 on the Axis Bank Ace Credit Card can be converted into EMI easily.

Swiggy HDFC Bank (4.5) Full Details

Co-Branded
Best For : Dining
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹1

Joining Fee

₹500

Annual Fee

₹500

Annual Percentage Rate

43.20%
  • 12 free golf lessons/year in India.
  • One night & one dines free at select Mastercard partners globally.
  • Up to 12% instant discount on worldwide hotels on Agoda.

If you happen to misplace your Swiggy HDFC Bank Credit Card, promptly reporting it to our 24-hour call centre ensures that you won't be held responsible for any unauthorized transactions made on the card. Your liability for any fraudulent activities on the Credit Card is completely waived.

3-month free Swiggy One membership on card activation. 
Swiggy One offers:

  • Unlimited free deliveries.
  • Extra 30% discount on popular restaurants.
  • Free Delivery on Swiggy Instamart.
  • 10% off on Swiggy Genie.

Up to 50 days of interest-free period on your Swiggy HDFC Bank Credit Card from the date of purchase

  • 10% Cashback on Swiggy application (Food ordering, Instamart, Dineout & Genie.)
  • 5% Cashback on online spends across top brands.
  • 1% Cashback on other categories.
  • Cashback Rate: 1% to 10%

HDFC Bank Millennia (4.5) Full Details

Regular
Best For : Cashback
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹1

Joining Fee

₹1,000

Annual Fee

₹1,000

Annual Percentage Rate

43.2%

8 free visits to domestic lounges each year (2 in a quarter)

Note

  • For Mastercard Cards, ₹25 will be charged and immediately made void at the terminal for verification.
  • For Visa/Diners Cards, ₹2 will be charged to the card account as a transaction for verification

Get a 1% waiver on fuel surcharge across all fuel stations in India with a minimum transaction of ₹400 and maximum transaction of ₹5,000. The maximum waiver per statement cycle is ₹250.

1,000 Cash Points applicable only on payment of membership fee.

This card allows the user to convert big spends to EMIs after purchases with a flexible tenure option.

Up to 50 days of interest-free period on your HDFC Bank Millennia Credit Card from the date of purchase.

At a small charge of 3.6% a month, HDFC Bank Millenia Credit Card provides its customers with a revolving credit benefit.

Up to 20% discount on partner restaurants via Swiggy Dineout.
 

In the event of a loss of this card, if informed immediately to the HDFC Bank call centre, any fraudulent transactions made on the card will not be held liable to the card owner.

  • 5% cashback on Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato.
  • 1% cashback on all online and offline spending, including EMI & wallet transactions except fuel.

5% cashback on flights and hotel reservations made with the card. The maximum cashback monthly is ₹1,000 for the first six months and ₹750 after that.

Standard Chartered Super Value Titanium (4.3) Full Details

Regular
Best For : Cashback
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.25

Joining Fee

₹750

Annual Fee

₹750

Annual Percentage Rate

45%
  • 1 Reward Point for every ₹150 spent on all expenses.
  • Reward Rate: 5%
  • 5% cashback up to ₹100 per month on paying utility bills.
  • 5% cashback up to ₹200 per month on paying for phone bills.

Note: Cashback can be avail on transactions of ₹750 or above. Maximum cashback of ₹100 per transaction.

Convert all your transactions over ₹2,000 into simple EMIs.

5% cashback up to ₹200 per month on fuel transactions of ₹2,000 or below.

Note: Maximum cashback of ₹100 per transaction on all the fuel stations. 

Myntra Kotak (4.3) Full Details

Co-Branded
Best For : Cashback
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

NA

Joining Fee

₹500

Annual Fee

₹500

Annual Percentage Rate

44.4%
  • 5% Cashback on Swiggy, Swiggy Instamart, PVR, Clear Trip and Urban Company.
  • 1.25% cashback on other spends.
  • Cashback is capped at ₹1000 per month. 
  • Cashback rate: Up to 7.5%

1 free domestic lounge access every quarter. For list of lounges click here.

  • Free movie tickets worth ₹250 each on spending ₹50000 every quarter.
  • Spend ₹2,00,000 annually and get annual fee waived off.

1% fuel surcharge waiver up to ₹300 per month.

  • Instant 7.5% cashback on Myntra capped at ₹750 per transaction.
  •   Free Myntra Insider program membership.
  • Myntra voucher worth ₹500 on card activation.
  • Additional ₹500 voucher on first transaction of ₹500 or more.

Standard Chartered Smart (4.3) Full Details

Cashback
Best For : Cashback
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

NA

Joining Fee

₹499

Annual Fee

₹499

Annual Percentage Rate

45%

Interest-free credit period for the initial 90 days post-card issuance.

Note: To avail of the interest-free credit period, the minimum balance due should be paid.

  • Ease of converting transactions above ₹2,000 into 3-month simple EMIs.
  • Nil processing fee for converting the transactions into EMIs.
  • Flat 2% cashback up to ₹1,000 per month on all online transactions.
  • Flat 1% cashback up to ₹500 per month on all other spends. Note: Fuel transactions are not eligible for this cashback.
  • Cashback Rate: up to 2%

Flipkart Axis Bank (4.2) Full Details

Co-Branded
Best For : Cashback
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

NA

Joining Fee

₹500

Annual Fee

₹500

Annual Percentage Rate

52.86%

1% fuel surcharge waiver for transactions worth ₹400 to ₹4,000 (maximum waiver of ₹400 in a month).

  • 5% cashback on Flipkart.
  • 4% cashback on PVR, Uber, Swiggy, Cleartrip, Cult.fit, Tata Play.
  • 1.5% cashback on Myntra and all other categories.
  • The cashback is credited to the credit card statement directly.

4 complimentary domestic lounge visits every year.

All major purchases above ₹2500 can be converted into EMI after the purchase at a low rate of interest.

  • 5% cashback on Flipkart.
  • 4% cashback on Preferred Merchants.

Up to 15% discount at 10,000+ partner restaurants with EazyDiner.

  • ₹500 Flipkart voucher on first transaction.
  • 50% instant discount up to ₹100 on Swiggy.

Bajaj Finserv RBL Bank Binge Supercard (4) Full Details

Co-Branded
Best For : Lifestyle
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.25

Joining Fee

Nil

Annual Fee

₹ 999

Annual Percentage Rate

47.88%

No interest on cash withdrawals for up to 50 days.

The annual fee is waived if you spend more than ₹1,00,000 in a year.

Get 5% cashback on a down payment at any Bajaj Finserv partner store.

Convert your purchases of ₹2500 and above into easy EMIs.

  • 12 Reward Points on all online spends, except for online purchases made on Education, insurance, Utilities, and Rent Payment.
  • 1 Reward Point for every ₹100.
  • Reward Rate: 0.3% to 5%

Convert up to your available cash limit into a Personal Loan for 3 months at a 1.16% monthly interest rate and no processing fee.

Get a 1+1 Bookmyshow offer on movie tickets, up to ₹200 once a month on any day.

Fuel surcharge waiver of ₹100 per month. The Surcharge is applicable on minimum fuel transactions of ₹500 and a maximum of ₹4,000.

2 free lounge access per year, 1 per quarter.

4000 Reward Points on spending  ₹2000 within 30 days of card issuance.

Citi Bank Cashback (4) Full Details

Cashback
Best For : Cashback
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

NA

Joining Fee

₹ 500

Annual Fee

₹ 500

Annual Percentage Rate

45%

 20% instant savings up to ₹1000 on a minimum transaction of ₹4000 on eating out through the EazyDiner Mobile App and Website.

Various discounts and offers available with partnered retailers across categories like fashion, lifestyle, health etc.

No liability of the cardholder in case of fraudulent transactions done using this credit card if the loss or theft of the card is reported to the bank within the prescribed time period.

  • 5% cashback on movie ticket purchases.
  • 5% cashback on telephone bill payments.
  • 5% cashback on utility bill payments.
  • 0.5% cashback on all other spends.
  • 5% cashback on a monthly spend of ₹4000, capped to ₹100 per month per category.

AU Bank LIT (4) Full Details

Regular
Best For : Lifestyle
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹ 0.25

Joining Fee

Free

Annual Fee

Free

Annual Percentage Rate

43.08%

1% fuel surcharge waiver on all transactions between ₹400 to ₹5,000.

Interest-Free period of 50 Days.

  • 10X or 5X reward points on all online domestic & international retail transactions.
  • 10X or 5X reward points on all POS & Contactless offline domestic & international transactions.
  • Reward Rate = 0.25%

4 Free Lounge visits per 90 days.

  • 5% cashback 3 times over period of 90 days.
  • 5% cashback for travel, dining, grocery, electronics, and apparel expenses in addition to 1 reward point per ₹100 spent.
  • Additional 2% cashback 3 times over a 90 days’ period.
  • 2% cashback for retail spends in addition to 1 Reward Point per ₹100 spent.
  •  In an unfortunate event of loss of Credit Card, you carry zero liability up to ₹1,50,000 or your credit limit, whichever is lower on any fraudulent transactions made with card after reporting the loss to the bank.
  • Also, you are protected against Card Counterfeit/Skimming and Online frauds.

DBS Bank Bajaj Finserv 5X Rewards (4) Full Details

Co-Branded
Best For : Lifestyle
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.25

Joining Fee

₹ 499

Annual Fee

₹ 499

Annual Percentage Rate

42%
  • Withdraw cash from any ATM across India and pay no interest for up to 50 days.
  • Bajaj Finserv Health Prime Membership for Bajaj Health App for one year.
  • 20% discount of upto 1000 cashpoints in a year by subscribing to platforms like Hotstar, Gaana.com, Zomato Pro, Sony Liv and more.
  • 5X rewards on reaching spends of  ₹10,000 on all spends.
  • Additional 8 Cash Points for every ₹200 spend.
  • Maximum additional Cash Points earned by a customer will be restricted to 3000 points per month.
  • 2 Cash Points on every ₹200 spent for all spends.
  • 10X rewards on eligible spends done on rewards platform within DBS Card+ IN app.
  • Additional 18 Cash Points for every ₹200 spend will be credited to customers account beyond 1X Rewards earn.

Convert spends of ₹2500 or more into EMIs.

5% cashback on downpayments made at any Bajaj Finserv EMI Network partner store.

1% fuel surcharge waiver for transactions greater than ₹400 and less than ₹4000.

Note: Maximum fuel surcharge waiver ₹100 per statement cycle.

SBI Cashback (3.9) Full Details

Cashback
Best For : Cashback
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

0

Joining Fee

₹ 999

Annual Fee

₹ 999

Annual Percentage Rate

42%

Get a Balance Transfer on EMI with CASHBACK SBI Card.
Save money while paying credit card dues by transferring the outstanding balance of other banks credit cards.

1% Fuel Surcharge Waiver at all petrol pumps in India.
Valid for transactions between ₹500 - ₹ 3,000, exclusive of GST and other charges.
Note: Maximum surcharge waiver of ₹100 per statement cycle per credit card account.
 

  • Get a 5% cashback on online purchases without any limitations on the merchant.
  • 1% cashback is available for your offline purchases.

Note: Cashback will be credited to your SBI Card account within 2 days of the next statement generation.

  • Access cash from 1 million+ VISA  ATMs worldwide.
  • Enjoy convenient utility bill payments, including electricity, telephone, mobile, and more, with the Easy Bill Pay feature on your Card.
  • Spend ₹2 Lakh annually to reverse the renewal fee.
     

HSBC Cashback (3.8) Full Details

Cashback
Best For : Cashback
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

10%

Joining Fee

₹999

Annual Fee

₹999

Annual Percentage Rate

41.88%
  • 10% accelerated cashback on all dining, food delivery, and grocery spends (capped up to 1000 per billing cycle)
  • 1.5% unlimited cashback on all other spends.
  • Cahsback Rate: 1.5% to 10%

If your HSBC Cashback Credit Card is lost, you won't be held responsible for any transactions made on the card once you report the loss and register it.
You are also protected against any unauthorized use of your HSBC Cashback Credit Card for a period of up to 24 hours before reporting the loss, with a maximum coverage of ₹3,00,000.
 

Amazon voucher worth ₹1000 on spending ₹10000 within the first 30 days.

4 free domestic lounge visits per year capped at 1 per quarter.

Fibe Axis Bank (3.8) Full Details

Co-Branded
Best For : Cashback
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.25

Joining Fee

Nil

Annual Fee

Nil

Annual Percentage Rate

52.86%

1% fuel surcharge waiver on transactions between ₹400 and ₹5,000

Note: Maximum waiver of ₹4,000 per month. 

  • Up to 3% cashback on food deliveries, entertainment and local commute
  • 1% cashback on all other spending

15% off via Axis Dining Delights at 10,000+ partner restaurants across India

4 free domestic lounge access per calendar year
To view the list of lounges, click here.

Airtel Axis Bank (3.8) Full Details

Co-Branded
Best For : Utility
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

₹0.20

Joining Fee

₹500

Annual Fee

₹500

Annual Percentage Rate

52.86%

Amazon voucher worth ₹500 on your first transaction.

20% off at 4000+ partner restaurants via EazyDiner.

1% fuel surcharge waiver valid on transactions between ₹400 to ₹4,000.

  • 25% cashback on Airtel Mobile, Broadband, WiFi and DTH bill payments via Airtel Thanks app.
  • 10% cashback on utility bill payments
  • 10% cashback on Swiggy, Zomato and BigBasket
  • 1% cashback on all other spends

4 free lounge visits per year at selected domestic airports. 

AU Bank Altura (3.5) Full Details

Cashback
Best For : Cashback
Welcome Bonus
Travel
Fuel
Rewards
Shopping

Reward Point Value

2%

Joining Fee

₹199

Annual Fee

₹199

Annual Percentage Rate

43.08%
  • 2% Cashback on all retail spends done at grocery stores, departmental stores and utility bill payments.
  • 1% Cashback on all other retail spends.
  • Basic Cashback Rate: 1% to 2%.

2 free railway lounge access per calendar quarter, using Visa Card at railway stations. 

Get additional cashback of ₹50 on completing a minimum of ₹10,000 retail spends in every statement cycle.

1% fuel surcharge waiver for fuel transactions done between ₹400 and ₹5,000 across all fuel stations in the country.

5% cashback on a minimum ₹2500 retail spends done within the first 60 days of card setup. (Maximum cashback per statement cycle is ₹150)

Frequently Asked Questions

The Cashback SBI Card is the best cashback credit card for online shopping.

ACE Credit Card from Axis Bank. Flipkart HSBC Cashback Credit Card. HDFC Millennia Credit Card. Paytm SBI SELECT Credit Card. Standard Chartered Smart Credit Card. Axis Bank Credit Card. Amazon Pay ICICI Credit Card.

Cashback credit cards can be a fantastic option if you pay off your credit card balance in full each month. This is due to the fact that you are being rewarded for spending money you would have otherwise spent. Cashback credit cards are not a wise choice if you don't always pay off your credit card account in full.

You can choose the right credit card based on your spending habits, the level of income you have and your credit history. Also your capacity in payment of credit bill on time will be a considerable factor.

How to optimise rewards with credit cards:

  • use the appropriate card

  • Earn the introductory bonus.

  • Look for time-limited deals.

  • Combine ideas

  • Pay off all of your bills.

APRs (Annual percentage rate) or annual fees are associated with some cash-back rewards schemes, but not all of them. Cash back can also refer to the practice of using a debit card to make a larger purchase than what was originally planned and then paying the difference in cash when the transaction is complete.

There is no limit on how much Card Cashback you can accumulate. The accelerated Card Cashback, which offers 5% cashback, is only available on up to Rs 10,000 per billing statement month. After that, you will still receive 1% Basic Card Cashback on eligible offline and online purchases.